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A New York Times Book Review Editors' Choice Shortlisted for the 2018 FT & McKinsey Business Book of the Year Award A brilliantly reported, global look at universal basic income—a stipend given to every citizen—and why it might be necessary in an age of rising inequality, persistent poverty, and dazzling technology. Imagine if every month the government deposited $1,000 into your bank account, with nothing expected in return. It sounds crazy. But it has become one of the most influential and hotly debated policy ideas of our time. Futurists, radicals, libertarians, socialists, union representatives, feminists, conservatives, Bernie supporters, development economists, child-care workers, welfare recipients, and politicians from India to Finland to Canada to Mexico—all are talking about UBI. In this sparkling and provocative book, economics writer Annie Lowrey examines the UBI movement from many angles. She travels to Kenya to see how a UBI is lifting the poorest people on earth out of destitution, India to see how inefficient government programs are failing the poor, South Korea to interrogate UBI’s intellectual pedigree, and Silicon Valley to meet the tech titans financing UBI pilots in expectation of a world with advanced artificial intelligence and little need for human labor. Lowrey explores the potential of such a sweeping policy and the challenges the movement faces, among them contradictory aims, uncomfortable costs, and, most powerfully, the entrenched belief that no one should get something for nothing. In the end, she shows how this arcane policy has the potential to solve some of our most intractable economic problems, while offering a new vision of citizenship and a firmer foundation for our society in this age of turbulence and marvels.
When it comes to copy, what works in the brick-and-mortar world does not necessarily grab Web consumers...and with new developments like social networks, blogs, and YouTube, the strategies that worked even a few years ago are unlikely to attract people’s attention. Completely updated for the current online marketplace, Web Copy That Sells gives readers proven methods for achieving phenomenal success with their online sales and marketing efforts. Readers will learn to: • write irresistible Web copy, e-mails, and marketing communications • quickly turn lackluster sites into “perpetual money machines” • streamline key messages down to intriguing “cyber bites” • use the psychological tactics that compel Web surfers to buy Featuring updated strategies for communicating and selling in the continually evolving landscape of Web 2.0, the second edition unlocks the secret to turning today’s online prospects into paying customers!
The New York Times bestseller from CNN Political Commentator and 2020 former Democratic presidential candidate Andrew Yang, this thought-provoking and prescient call-to-action outlines the urgent steps America must take, including Universal Basic Income (UBI), to stabilize our economy amid rapid technological change and automation. The shift toward automation is about to create a tsunami of unemployment. Not in the distant future--now. One recent estimate predicts 45 million American workers will lose their jobs within the next twelve years--jobs that won't be replaced. In a future marked by restlessness and chronic unemployment, what will happen to American society? In The War on Normal People, Andrew Yang paints a dire portrait of the American economy. Rapidly advancing technologies like artificial intelligence, robotics and automation software are making millions of Americans' livelihoods irrelevant. The consequences of these trends are already being felt across our communities in the form of political unrest, drug use, and other social ills. The future looks dire-but is it unavoidable? In The War on Normal People, Yang imagines a different future--one in which having a job is distinct from the capacity to prosper and seek fulfillment. At this vision's core is Universal Basic Income, the concept of providing all citizens with a guaranteed income-and one that is rapidly gaining popularity among forward-thinking politicians and economists. Yang proposes that UBI is an essential step toward a new, more durable kind of economy, one he calls "human capitalism."
Particularly in the 1990s, social welfare programs have been cut back in a number of countries. Indeed, the phrases ending welfare as we know it or dismantling the welfare state have been used to describe this trend. In this analysis by well-recognized social welfare scholars, the nature and extent of changes in social welfare programs in key industrial or post-industrial countries is scrutinized. Determining if and how social welfare and employment prospects have been cut back in the United States, Canada, Sweden, the United Kingdom, France, Germany, Italy, Hungary, and Japan helps to identify the population groups hardest hit by cutback. In the United States, for example, poor, single-mother families have suffered major reductions in income support, while more powerful groups have avoided major losses. This cross-national study not only sheds light on general trends in social welfare but also provides clues to what constitutes successful reform and what has failed. This major comparative analysis will be of interest to scholars, students, policy makers, and professionals as well as the general public concerned with social welfare issues, full employment, poverty, and economic inequality.
Who should bear the financial and social costs of the consequences of crime? In answer to this question, this book offers a comprehensive review of the public and private benefits currently available to compensate victims for the losses suffered as a result of crime. The author analyzes the social philosophy and legislative policy behind such remedies as restitution, private insurance, and civil litigation, notes their histories and their limitations, and makes recommendations for ways that each can be improved.
This comprehensive and carefully organized collection provides an overview of the relationship between gender and economic stratification in seven industrialized countries. Everywhere, as a Polish commentator notes, `men have too much power, and women too much work.' Nevertheless, these studies reveal large differences in the circumstances of women in different countries and help to illuminate the several developments in the labor market, the family, and public policy which explain the extreme feminization of poverty in the United States. Frances Fox Piven, City University of New York Lucid, careful, and systematic, the book builds a compelling explanation for the needless impoverishment experienced by millions of American women and offers a sensible, realistic agenda for its reduction. Michael B. Katz, University of Pennsylvania This study asks whether the feminization of poverty, the tendency of women and their families to become the majority of the poor, is unique to the United States, where the phenomenon was first discovered. Seven industrialized nations, both capitalist and socialist, with different degrees of commitment to social welfare are compared: Canada, Japan, France, Sweden, Poland, the Soviet Union, and the United States. In each of the countries the authors analyze information about women, labor market conditions, equalization policies, social welfare programs, and demographic variables such as the rates of divorce and single parenthood. According to Goldberg and Kremen, it is possible to predict the feminization of poverty when three conditions are present: (1) insufficient efforts to reduce work place and wage inequities for women; (2) the absence or ineffectiveness of social welfare programs which can redress the cost, both economic and personal, of the dual role that women have assumed in industrialized societies; and (3) the presence of increasing rates of divorce and single motherhood. An array of labor market and social welfare programs in use in the six other industrialized nations are then reviewed by the authors for possible adaptation in the United States. This important work will be a valuable resource for scholars across the academic and professional disciplines of political science, sociology, economics, social work, and women's studies.
You’re smart. So don’t be dumb about money. Pinpoint your biggest money blind spots and take control of your finances with these tools from CBS News Business Analyst and host of the nationally syndicated radio show Jill on Money, Jill Schlesinger. “A must-read . . . This straightforward and pleasingly opinionated book may persuade more of us to think about financial planning.”—Financial Times Hey you . . . you saw the title. You get the deal. You’re smart. You’ve made a few dollars. You’ve done what the financial books and websites tell you to do. So why isn’t it working? Maybe emotions and expectations are getting in the way of good sense—or you’re paying attention to the wrong people. If you’ve started counting your lattes, for god’s sake, just stop. Read this book instead. After decades of working as a Wall Street trader, investment adviser, and money expert for CBS News, Jill Schlesinger reveals thirteen costly mistakes you may be making right now with your money. Drawing on personal stories and a hefty dose of humor, Schlesinger argues that even the brightest people can behave like financial dumb-asses because of emotional blind spots. So if you’ve saved for college for your kids before saving for retirement, or you’ve avoided drafting a will, this is the book for you. By following Schlesinger’s rules about retirement, college financing, insurance, real estate, and more, you can save money and avoid countless sleepless nights. It could be the smartest investment you make all year. Praise for The Dumb Things Smart People Do with Their Money “Common sense is not always common, especially when it comes to managing your money. Consider Jill Schlesinger’s book your guide to all the things you should know about money but were never taught. After reading it, you’ll be smarter, wiser, and maybe even wealthier.”—Chris Guillebeau, author of Side Hustle and The $100 Startup “A must-read, whether you’re digging yourself out of a financial hole or stacking up savings for the future, The Dumb Things Smart People Do with Their Money is a personal finance gold mine loaded with smart financial nuggets delivered in Schlesinger’s straight-talking, judgment-free style.”—Beth Kobliner, author of Make Your Kid a Money Genius (Even If You’re Not) and Get a Financial Life
Citizens are asked to buy, and asked to consider to buy, goods of all sizes and all prices, nearly all of the time. Appeals to political decision-making are less common. In The Consumer Citizen, Ethan Porter investigates how the techniques of everyday consumer experiences can shape political behavior. Drawing on more than a dozen original studies, he shows that the casual conflation of consumer and political decisions has profound implications for how Americans think about politics. Indeed, Porter explains that consumer habits can affect citizens' attitudes about their government, their taxes, their politicians, and even whether they purchase government-sponsored health insurance. The consumer citizen approaches government as if it were just an ordinary firm. Of course, government is not an ordinary firm---far from it---and the disjunction between what government is, and the consumer apparatus that citizens bring to bear on their evaluations of it, offers insight into several long-unanswered questions in political behavior and public opinion. How do many Americans make sense of the political world? The Consumer Citizen offers a novel answer: By relying on the habits and tools that they learn as consumers.